107 Intermediate Analyst jobs in the United Arab Emirates
Consumer Sales Support Intermediate Analyst - UAE Nationals Preferred - DUBAI
Posted 8 days ago
Job Viewed
Job Description
**Responsibilities:**
+ Provide sales support by designing and implementing process improvements
+ Support new products, promotions, and projects defined by the business
+ Resolve most issues by applying professional judgment when interpreting data and results
+ Review and provide training material to sales and operations
+ Support sales activities for high profile clients
+ Provide administrative assistance for sales management teams
+ Ensure sales team are compliant with regulations
+ Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.
**Qualifications:**
+ Work collaboratively with regional and global partners in other functional units; ability to navigate a complex organization
+ Demonstrated ability to thrive in a structured environment, meticulously follow established procedures.
+ Working knowledge of related industry practices and standards
+ Consistently demonstrates clear and concise written and verbal communication
+ Proficiency with MS office, verbal/written skills, analytical skills
**Education:**
+ Bachelor's degree/University degree or equivalent experience
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
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**Job Family Group:**
Consumer Sales
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**Job Family:**
Consumer Sales Support
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**Time Type:**
Full time
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**Most Relevant Skills**
Please see the requirements listed above.
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**Other Relevant Skills**
For complementary skills, please see above and/or contact the recruiter.
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_Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law._
_If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review_ _Accessibility at Citi ( _._
_View Citi's_ _EEO Policy Statement ( _and the_ _Know Your Rights ( _poster._
Citi is an equal opportunity and affirmative action employer.
Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.
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Consumer Sales Support Intermediate Analyst - UAE Nationals Preferred - DUBAI
Posted today
Job Viewed
Job Description
The Sales Support Intermediate Analyst is an intermediate level position responsible for providing a range of sales support activities including analysis of sales outcomes, opportunities and the creation of proposals in coordination with the Consumer Sales team. The overall objective of this role is to provide support/ancillary services to sales people and across all client segments.
Responsibilities:
- Provide sales support by designing and implementing process improvements
- Support new products, promotions, and projects defined by the business
- Resolve most issues by applying professional judgment when interpreting data and results
- Review and provide training material to sales and operations
- Support sales activities for high profile clients
- Provide administrative assistance for sales management teams
- Ensure sales team are compliant with regulations
- Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.
Qualifications:
- Work collaboratively with regional and global partners in other functional units; ability to navigate a complex organization
- Demonstrated ability to thrive in a structured environment, meticulously follow established procedures.
- Working knowledge of related industry practices and standards
- Consistently demonstrates clear and concise written and verbal communication
- Proficiency with MS office, verbal/written skills, analytical skills
Education:
- Bachelor’s degree/University degree or equivalent experience
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
Job Family Group: Consumer Sales
Job Family: Consumer Sales Support
Time Type: Full time
Most Relevant Skills are listed above.
Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster.
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Data & Business Analyst
Posted today
Job Viewed
Job Description
Overview
PANGAIA exists to design a future where people and planet reconnect, through every product we create, the stories we tell, and every action we take. We fuse innovation, design, and purpose to responsibly deliver products and experiences that nurture well-being while ensuring minimal collective environmental footprint.
We are a global collective: one heart, many creative minds. From designers to scientists, from storytellers to retailers, we unite to build a platform that brings meaningful innovation to life. We don’t just sell products — we redefine their role: shifting from symbols of consumption to instruments for wellness, consciousness, and lasting positive impact.
Our vision is simple: empower people to live more intelligently, beautifully, and responsibly through purposeful design, cutting-edge innovation, uncompromising quality, and a deeply connected community.
The RoleWe are seeking a technically skilled and detail-oriented Data & Business Analyst to be a cornerstone in building our data-driven decision-making capability.
PANGAIA is a D2C brand with most sales via its webshop, and we are now planning a significant expansion of our retail activities. Building a strong analytics backbone to support both online and offline businesses is pivotal to provide leadership with a robust data basis for strategic and operational decisions.
In the initial phase, the focus will be on data consistency across systems and departments, implementing a master data concept, and setting up a scalable analytics infrastructure and logic. Once this foundation is in place, the role will evolve into delivering advanced analytics, predictive models, and actionable insights across both e-commerce and retail operations.
Key Responsibilities Data Infrastructure & Governance- Support the rollout of a master data management concept across all systems (ERP, PLM, CRM, POS, e-commerce).
- Ensure data accuracy, consistency, and availability across D2C and retail channels.
- Design data pipelines that integrate transactional, operational, and customer data.
- Establish governance processes for data ownership, taxonomy, and hierarchy.
- Build dashboards and reports that cover both online and retail performance.
- Provide KPIs and insights for e-commerce (traffic, conversion, AOV, CAC, LTV, returns) and retail (footfall, basket size, sales per sqm, conversion rates).
- Support omni-channel analytics such as customer journey tracking across online and retail touch points.
- Monitor product performance across SKUs, categories, and geographies.
- In coordination with the commercial team on developing demand forecasting models combining internal sales data with external data (seasonality, macroeconomic trends, weather, events).
- In coordination with commercial teams, build predictive analytics for inventory planning, replenishment, and allocation across e-commerce and retail.
- Use AI/ML to create customer segmentation models, churn predictions, and personalized recommendations.
- Continuously refine and validate models to enhance decision-making quality.
- Analyse the full value chain: sourcing, logistics, fulfillment, and returns.
- Provide insights into process efficiency, lead times, and cost optimisation.
- Enable leadership to make informed decisions on pricing, promotions, and assortment strategy.
- Support finance with margin and profitability analytics across sales channels.
- Create analytics frameworks for customer service performance, NPS, and satisfaction tracking.
- Monitor omni-channel customer engagement (CRM campaigns, loyalty programs, retail events).
- Support marketing funnel optimization with data-backed insights.
- Strong command of SQL and experience with data warehouses (Snowflake, Big Query, Azure).
- Programming skills in Python or R for analysis, modelling, and machine learning.
- Experience with ETL/ELT pipelines and data integration tools (dbt, Fivetran, Airflow, Celigo).
- Proficiency with visualisation tools (Power BI, Tableau, Looker).
- Familiarity with cloud environments (Azure, AWS, GCP).
- Understanding of APIs and integrations across ERP, CRM, PLM, POS, and e-commerce platforms.
- Expertise in forecasting, predictive modelling, and machine learning.
- Strong statistical background with ability to apply regression, clustering, time-series analysis, A/B testing.
- Deep knowledge of retail and e-commerce KPIs.
- Ability to create omni-channel analytics frameworks for unified reporting.
- Experience combining online and offline data sets for holistic customer and business insights.
- Familiarity with POS data structures and retail analytics metrics (traffic counters, sales density).
- Knowledge of inventory optimization across multiple distribution channels.
- Understanding of customer behavior analytics both online (clickstream, funnels) and in-store (footfall, dwell time).
- Awareness of sustainability metrics relevant for premium fashion (returns rates, circularity, DPP readiness).
- 3–6 years of experience in data/business analytics, ideally in fashion, retail, or consumer goods.
- Hands-on problem solver with strong analytical rigor.
- Comfortable working in a fast-paced transformation environment.
- Strong communication skills — able to translate technical findings into business impact.
- Curious, proactive, and passionate about creating new capabilities.
At PANGAIA, you will play a pivotal role in building a data-driven culture and a globally recognized responsible fashion brand at scale. You’ll have the chance to work at the intersection of innovation, design, and purpose, creating impact beyond commerce while delivering meaningful returns to shareholders.
By supporting both our e-commerce core and our growing retail footprint, your work will directly shape how we scale international, grow sales and how we optimise operations.
If you are ready to shape the future of responsible fashion and lead one of our most important growth engines, we would love to hear from you.
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Data & Business Analyst
Posted today
Job Viewed
Job Description
Overview
PANGAIA exists to design a future where people and planet reconnect, through every product we create, the stories we tell, and every action we take. We fuse innovation, design, and purpose to responsibly deliver products and experiences that nurture well-being while ensuring minimal collective environmental footprint.
We are a global collective: one heart, many creative minds. From designers to scientists, from storytellers to retailers, we unite to build a platform that brings meaningful innovation to life. We don’t just sell products — we redefine their role: shifting from symbols of consumption to instruments for wellness, consciousness, and lasting positive impact.
Our vision is simple: empower people to live more intelligently, beautifully, and responsibly through purposeful design, cutting-edge innovation, uncompromising quality, and a deeply connected community.
The RoleWe are seeking a technically skilled and detail-oriented Data & Business Analyst to be a cornerstone in building our data-driven decision-making capability.
PANGAIA is a D2C brand with most sales via its webshop, and we are now planning a significant expansion of our retail activities. Building a strong analytics backbone to support both online and offline businesses is pivotal to provide leadership with a robust data basis for strategic and operational decisions.
In the initial phase, the focus will be on data consistency across systems and departments, implementing a master data concept, and setting up a scalable analytics infrastructure and logic. Once this foundation is in place, the role will evolve into delivering advanced analytics, predictive models, and actionable insights across both e-commerce and retail operations.
Key Responsibilities Data Infrastructure & Governance- Support the rollout of a master data management concept across all systems (ERP, PLM, CRM, POS, e-commerce).
- Ensure data accuracy, consistency, and availability across D2C and retail channels.
- Design data pipelines that integrate transactional, operational, and customer data.
- Establish governance processes for data ownership, taxonomy, and hierarchy.
- Build dashboards and reports that cover both online and retail performance.
- Provide KPIs and insights for e-commerce (traffic, conversion, AOV, CAC, LTV, returns) and retail (footfall, basket size, sales per sqm, conversion rates).
- Support omni-channel analytics such as customer journey tracking across online and retail touch points.
- Monitor product performance across SKUs, categories, and geographies.
- In coordination with the commercial team on developing demand forecasting models combining internal sales data with external data (seasonality, macroeconomic trends, weather, events).
- In coordination with commercial teams, build predictive analytics for inventory planning, replenishment, and allocation across e-commerce and retail.
- Use AI/ML to create customer segmentation models, churn predictions, and personalized recommendations.
- Continuously refine and validate models to enhance decision-making quality.
- Analyse the full value chain: sourcing, logistics, fulfillment, and returns.
- Provide insights into process efficiency, lead times, and cost optimisation.
- Enable leadership to make informed decisions on pricing, promotions, and assortment strategy.
- Support finance with margin and profitability analytics across sales channels.
- Create analytics frameworks for customer service performance, NPS, and satisfaction tracking.
- Monitor omni-channel customer engagement (CRM campaigns, loyalty programs, retail events).
- Support marketing funnel optimization with data-backed insights.
- Strong command of SQL and experience with data warehouses (Snowflake, Big Query, Azure).
- Programming skills in Python or R for analysis, modelling, and machine learning.
- Experience with ETL/ELT pipelines and data integration tools (dbt, Fivetran, Airflow, Celigo).
- Proficiency with visualisation tools (Power BI, Tableau, Looker).
- Familiarity with cloud environments (Azure, AWS, GCP).
- Understanding of APIs and integrations across ERP, CRM, PLM, POS, and e-commerce platforms.
- Expertise in forecasting, predictive modelling, and machine learning.
- Strong statistical background with ability to apply regression, clustering, time-series analysis, A/B testing.
- Deep knowledge of retail and e-commerce KPIs.
- Ability to create omni-channel analytics frameworks for unified reporting.
- Experience combining online and offline data sets for holistic customer and business insights.
- Familiarity with POS data structures and retail analytics metrics (traffic counters, sales density).
- Knowledge of inventory optimization across multiple distribution channels.
- Understanding of customer behavior analytics both online (clickstream, funnels) and in-store (footfall, dwell time).
- Awareness of sustainability metrics relevant for premium fashion (returns rates, circularity, DPP readiness).
- 3–6 years of experience in data/business analytics, ideally in fashion, retail, or consumer goods.
- Hands-on problem solver with strong analytical rigor.
- Comfortable working in a fast-paced transformation environment.
- Strong communication skills — able to translate technical findings into business impact.
- Curious, proactive, and passionate about creating new capabilities.
At PANGAIA, you will play a pivotal role in building a data-driven culture and a globally recognized responsible fashion brand at scale. You’ll have the chance to work at the intersection of innovation, design, and purpose, creating impact beyond commerce while delivering meaningful returns to shareholders.
By supporting both our e-commerce core and our growing retail footprint, your work will directly shape how we scale international, grow sales and how we optimise operations.
If you are ready to shape the future of responsible fashion and lead one of our most important growth engines, we would love to hear from you.
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Business Analyst
Posted 8 days ago
Job Viewed
Job Description
Cigna healthcare is a global health service company with roots in the US, serving more than 180 million customers and patients throughout the world. We deliver quality health care through choice, predictability, affordability and through integrated capabilities and connected, personalized solutions that advance whole person health.
Cigna's mission is to help our customers improve their health, well-being and sense of security by providing access to care. With our whole health approach, we're focused on addressing health concerns, improving resilience, reducing stress levels and emotional health issues. Our employer promise is to remain steadfast in our commitment to fostering growth and improving lives by offering meaningful work within a positive, inclusive culture that prioritizes our colleagues. We champion teamwork and collaboration and empower our people with cutting-edge technology to drive efficiency and amplify their impact in everything we do. Together we strive to create an environment where every individual thrives and contributes to meaningful change"
**Purpose of role:** Engaging with business stakeholders to elicit and define business project scope, business requirements and workflows as related to assigned projects or new intake items. The successful candidate in this position will have good work experience and a desire to work in a culturally diverse organization. This position will report into the business and is not an IT Business/Systems Analyst position.
**Main Duties/Responsibilities:**
Working alongside the IT BSA, documenting business process requirements and business process flow as related to assigned process development or process improvement projects. Document all detailed business requirements within internally approved systems using Scaled Agile Methodology (Composing Epics) Engage with business leads to understanding new project scope, creating scope statements and high-level scope requirements as required for the portfolio and project intake process. Document system integration requirements involving legacy platforms, third party solutions by acting as a liaison between business units and technology teams ensuring clear communication and delivery. Build an extensive knowledge of business operation to analyze current work procedures and practices. Investigate, evaluate and report alternative solutions to business needs and recommend the preferred solutions in compliance with the regulatory standards and enterprise architecture guidelines. Work closely with IT Business Systems Analysts to ensure business processes align with technology solutions. Will participate in some systems analysis design sessions as needed. Work with business stakeholders in the development of user acceptance test cases Work with business stakeholders in the execution of user acceptance testing Monitor, track and report UAT defects while coordinating with the QA test team for defect remediation
**Experience/Qualifications Required:**
+ Bachelor's degree in business, finance, information management or a related discipline
+ 3-5 years of business analysis work preferably in insurance or financial services sector.
+ Experienced in the analysis and interpretation of business requirements across all aspects of transacting insurance or financial services business.
+ Good understanding of UAE insurance market and regulations.
+ Excellent verbal and written communication skills and the ability to interact professionally with a diverse group, executives, managers, and subject matter experts.
+ Analysis and support of the production of project proposals or business cases.
+ Demonstrate a proven understanding of the business process re-engineering.
+ Experience creating user acceptance testing documentation and leading UAT
+ Must be a self-starter who is able to plan and lead work sessions with little oversight.
+ Business Analysis techniques such as process modeling, root cause analysis, data modeling, process mapping and traceability are very desirable.
+ Good knowledge and experience in Scaled Agile Framework and Agile overall
**Skills Required:**
+ Strong communication skills
+ Ready to learn new business processes
+ Interpersonal skills
+ Team working - internal/external
+ Customer Focus - internal/external
+ Good business/product knowledge
+ Organizational skills
+ Good time management
+ Negotiation skills
+ Decision making
+ Advanced User of Microsoft applications - Word, Excel, Project, Visio
+ Experience in usage of Jira, Azure Dev Ops Platforms
+ Identification of problems and problems solving
+ Knowledge of Scaled Agile framework
+ Six sigma certifications would be a plus
+ Data analysis and Interpretation
+ Critical Thinking
**What we are looking for**
We are seeking individuals who thrive in collaborative environments, are passionate about driving meaningful change, and are excited to grow in a company that prioritizes its people.
**Join us and be part of a company where your growth, ideas and contributions are valued. Let's create something extraordinary together. It's time to look to your future and apply to work for Cigna today!**
**About Cigna Healthcare**
Cigna Healthcare, a division of The Cigna Group, is an advocate for better health through every stage of life. We guide our customers through the health care system, empowering them with the information and insight they need to make the best choices for improving their health and vitality. Join us in driving growth and improving lives.
_Qualified applicants will be considered without regard to race, color, age, disability, sex, childbirth (including pregnancy) or related medical conditions including but not limited to lactation, sexual orientation, gender identity or expression, veteran or military status, religion, national origin, ancestry, marital or familial status, genetic information, status with regard to public assistance, citizenship status or any other characteristic protected by applicable equal employment opportunity laws._
_If_ _you require reasonable accommodation in completing the online application process, please email:_ _for support. Do not email_ _for an update on your application or to provide your resume as you will not receive a response._
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Business Analyst
Posted today
Job Viewed
Job Description
GMEX’s Technology stack is based on: Java, JSF web-based GUIs, Low Latency Bus Architecture, FIX Messaging, Data Feeds, open-source database (PostgreSQL) & Linux (Centos) operating systems.
Delivery is typically Agile and experience should be demonstrable of how to drive projects.
Experience in trading applications or financial services is a bonus.
Job purposeTo gather client requirements and liaise with the development team to ensure these are delivered satisfactorily.
To be able to demonstrate GMEX systems to potential clients.
To manage test cycles and ensure quality is maintained.
Key responsibilities and accountabilities- Business Analysis
- Requirements definition and production of specifications.
- Design study – workshop facilitation.
- Managing client expectation.
- Quality Assurance
- System testing.
- Production of test scripts.
- Management and delivery of Go/NoGo documentation.
- Client Management
- Monitoring of client relationship and interfacing with key business personnel.
- Check daily the 3rd party trade feeds. All non-transmitted trades to be investigated.
- Assist with the creation and maintenance of Market Operations processes, and help improve operational efficiency.
- Client Onboarding
- Liaison with any 3rd parties who are connecting to the GMEX systems
- Training
- Training of client and internal staff.
- Other Duties
- Pre-sales demonstrations.
- Assistance in creating sales proposals.
- Flexibility of working hours to coincide with market hours and project deadlines.
- Ability to deal with staff at all levels.
- Ability to work well under pressure.
- Excellent interpersonal skills.
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Business Analyst
Posted today
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Job Description
Job Description
We are seeking a highly skilled and detail-oriented Business Analyst with over 5 years of experience in the banking and financial services domain. The ideal candidate will have a strong understanding of banking products, processes, and regulatory requirements, and will be responsible for gathering business requirements, analyzing data, and supporting the implementation of technology solutions that align with business goals. Key Responsibilities:
- Collaborate with stakeholders to gather, analyze, and document business requirements.
- Translate business needs into functional specifications and user stories.
- Work closely with product owners, developers, QA teams, and project managers to ensure successful delivery.
- Conduct gap analysis, impact analysis, and feasibility studies.
- Support UAT (User Acceptance Testing) and coordinate with business users for validation.
- Prepare BRDs, FRDs, process flows, and other documentation.
- Analyze and improve existing banking processes and systems.
- Ensure compliance with banking regulations and internal policies.
- Act as a liaison between business and technical teams.
- Bachelor's degree in Business Administration, Finance, Information Technology, or related field.
- 5+ years of experience as a Business Analyst in the banking or financial services industry.
- Strong understanding of retail banking, corporate banking, digital banking, or core banking systems.
- Experience with requirement gathering, documentation, and stakeholder management.
- Proficiency in tools like JIRA, Confluence, MS Visio, Excel, and SQL.
- Familiarity with Agile and Waterfall methodologies.
- Excellent communication, analytical, and problem-solving skills.
- Experience with regulatory projects (e.g., AML, KYC, Basel, FATCA).
- Knowledge of banking APIs, digital transformation, or FinTech integrations.
- Certifications such as CBAP, CCBA, PMI-PBA, or Scrum Master are a plus.
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Business Analyst
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Business Analyst
Posted today
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Job Description
Shape the Future with Jadeer! We're hiring a Business Analyst on behalf of our client in the UAE!
About Our Client:
Our client, a leading IT company in the UAE, is renowned for its innovative solutions and commitment to optimizing business processes. They are seeking an experienced Business Analyst to bridge the gap between IT and business, ensuring the successful implementation of projects and business strategies.
The Role:
As a Business Analyst , you will be responsible for analyzing business needs and processes, identifying areas for improvement, and working closely with IT and stakeholders to develop effective solutions that align with organizational goals.
What You'll Do:
- Analyze and document business processes and workflows.
- Identify and prioritize business needs and opportunities for improvement.
- Collaborate with stakeholders to gather and define business requirements.
- Translate business needs into technical specifications for IT teams.
- Conduct feasibility studies, risk assessments, and impact analyses for business solutions.
- Facilitate meetings between business units and technical teams to ensure alignment.
- Monitor and evaluate the effectiveness of implemented solutions.
- Prepare and present reports, proposals, and recommendations to stakeholders.
What We're Looking For:
- A Bachelor's degree in Business Administration, Information Systems, or a related field.
- Minimum of 5 years of experience as a Business Analyst or in a similar role.
- Strong analytical, problem-solving, and decision-making skills.
- Experience with business process modeling and process improvement methodologies.
- Excellent communication and stakeholder management skills.
- Familiarity with project management and software development life cycles (SDLC).
- Certifications such as CBAP, PMP, or similar are an advantage.
What's in It for You:
- Competitive compensation package.
- Opportunity to work on transformative business projects.
- Professional development and career advancement opportunities.
- A collaborative and innovative work environment.
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Business Analyst
Posted today
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Job Description
Our client is a dynamic and progressive energy business with a strong focus on energy transition and decarbonisation. With operations across multiple jurisdictions, the organisation is known for maximising value from mature assets while embracing innovative, sustainable energy solutions
- Work closely with the Decommissioning Directorate to support monthly performance reporting and quarterly business reviews.
- Review and validate monthly Value of Work Done (VOWD) to ensure accurate financial reporting.
- Maintain accounting records for Joint Venture (JV) assets and ensure compliance with Joint Operating Agreements (JOA) and accounting standards.
- Support the preparation of budget and forecast submissions, including annual business planning activities.
- Assist with the month-end close process, ensuring accurate journal entries, reconciliations, and reporting.
- Monitor and review gross transactions, ensuring correctness before running monthly JV cutback processes.
- Prepare and issue monthly JV billings, cash calls, cost carry statements, and bank reconciliations.
- Ensure timely and accurate reporting of Authority for Expenditure (AFE) to both internal stakeholders and JV partners.
- Manage partner queries related to billings, cash calls, and cost allocations.
- Coordinate and support partner Joint Venture audits, including preparation, documentation, and query resolution.
- Complete monthly balance sheet reconciliations and take corrective actions where needed.
- Provide accurate and timely information for internal and external financial reporting teams.
- Support JV finance and operating committee meetings as needed.
- Collaborate with cross-functional teams including accounts payable and operations to resolve discrepancies and support business objectives.
- Ensure adherence to internal controls, accounting policies, and financial governance standards
- Professionally qualified accountant (CA, CIMA, ACCA, or equivalent).
- 5+ years of post-qualification experience, ideally with prior exposure to JV or project-based accounting.
- Proficient in SAP, Oracle, SUN, or other financial ERP systems.
- Strong Excel and analytical skills.
- Previous experience working with Joint Ventures or decommissioning projects is an advantage.
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